Get real private payment processing as an eCom merchant with ecom payouts.
Wyoming
Joined April 2025
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If you're doing over 50k a month and still with the processor you started with, you're taking on an incredible amount of unnecessary risk.
- you will get payouts frozen
- already share risk with competitors in your niche
- support is just ai or automated emails
- can’t migrate MRR list (or its a complete pain in the ass)
We make it easy. Book a call below.
cal.com/ecompayouts/15min
Copy Resilia and you'll be on the MATCH list before you're at $30M
Resilia's reviews keep saying the same thing
They bought once and got put on a subscription they didn't know about
A copy gets those same customers
On a brand new merchant account
Stripe calls a dispute rate over 0.75% excessive
Visa's line is 1.5%, and it counts every dispute and fraud report, won or lost
A new store with a hidden subscription can blow past both on its first rebill cycle
My Ecom children,
Resilia doing 30 million a month should not want to make you do another version of their shit brand.
Instead take the proven market and go deep on some product that is actually good and much harder to replicate.
High quality, hard to make, truly effective etc
Then use strong marketing to win over people from the shitty brands.
Go slower and build trust.
You don’t want 40m now from lying to people.
You want 20m later from something you are proud of.
This is the way.
Meta is coming for every card on your ad account, Slash was just first
Meta stopped taking part of Slash's credit card BINs this week
A BIN is the first digits of a card, it tells Meta who issued it
Slash says 95% of the accounts hit are already back up on a debit card or ACH
And that this is a Meta change rolling out to other card providers next
In April Meta started moving big advertisers off cards and onto invoices
Pay by invoice and there's nothing to charge back
Slash got hit first because around 2% of all Meta ad spend runs on its cards
Every card that big has bad actors on it, Amex and Chase included
But nobody calls them a fraud magnet
Warning to every Slash user!
Slash either has the worst compliance team across all Neobanks out there, or half their business model comes from catering to bad actors.
Now it's catching up to them.
Meta just banned all Slash Credit Bins and deactivated ad dashboards associated with Slash. If not resolved, it could result in $1B in annual transaction volume loss. Slash CEO claims they cover 2% of total Meta ad spend.
Reasons are unclear why they’re banned, but rumors suggest a fraud scheme using Slash cards to run chargebacks on Meta, making them lose significant dollars.
Earlier this year, I uncovered a No-KYC card linked to Slash, and today I've found some really concerning messages from Slash employees enticing gray hat/black hats to join their platform with strong promises.
In just 1 group, an employee sent 60 replies telling rejected applicants to DM with a few other worrying messages. They've even promised to "never freeze / lock your account especially if you’re in the e-commerce business"
I've attached some proof, but I'm going to do a lot more research into this.
Anyone here affected by Slash or willing to provide me with tips regarding the situation? Maybe I'm being too harsh on them, but there's a lot to worry about.
Wise was never a bank
It's a money transmitter
So the cash sitting in a normal Wise balance isn't FDIC insured
And its terms let it close any account at its own discretion
No reason needed
If it reported the account to the government, it's not even allowed to give one
Telling him would break the law
So that formal complaint won't get him an answer
8 figure brands keep the operating cash at a real bank
And use Wise to move it
Wise shut down my company's business account on October 29 with zero explanation, and they're sitting on our operating cash with no timeline to give it back.
Four weeks before Black Friday.
I've been a Wise customer for over 2 years without a single issue. We run an 8-figure ecommerce brand, and that money pays our team and our suppliers.
Formal complaint filed (ref 52421395). We've done everything they asked. We need our money back this week.
@Wise @kaarmann, put a real person on this. Call me, email me, DM me.
If you know someone at Wise who can get this in front of the right team, DM me. Reposts help 🙏
NEVER answer a chargeback with a paragraph about how the customer is lying
The bank's analyst doesn't care who's lying
They check what the reason code asks for
For "not received" that's tracking showing delivered to the address on the order
For a digital product it's the IP, device and login times
Send that and stop
"Shopify keeps getting better"
The store builder does
But the processing still remains one of the worst
Every store on Shopify Payments is a sub account on Shopify's own merchant account
So once you scale, an algorithm decides how much of your money to hold
The standard reserve is 10% of every sale for 120 days
Launching got cheaper except for actually getting your money
On your own MID the reserve terms are in your agreement before your first sale
We can a MID set up in 2-3 days, lmk
"Ecom is dead" is the worst take on X right now
We're in the middle of a golden age. People will look back at 2024-2026 the same way marketers look back at Facebook ads in 2014
1. Shopify keeps getting better. The infrastructure for launching and scaling a brand has never been cheaper or more accessible.
2. AI is collapsing content costs. Brands that used to spend $20k/month on creative are doing it for a fraction. That margin goes straight to growth.
3. Email and SMS are printing. Open rates are up. Klaviyo keeps releasing features that used to require custom dev work. The channel is stronger than it's ever been.
4. Consumers are still spending. US ecom hit $1.1 trillion in 2023. That number is going up, not down.
5. The noise is thinning out. Lazy dropshippers are gone. What's left are real operators building real brands.
The people calling it dead are the ones who couldn't make it work
The ones building now will have accomplished crazy things a few years from now
Grok is about to kill a lot of BH rebill brands
Its bot can now start a free trial and cancel it before the first charge
And a lot of subscription brands in ecom right nowadays do blackhat rebilling
"Free, just pay shipping"
Then a monthly charge in the small print
And no cancel button
The whole model runs on people not noticing
Grok notices for them
Visa tried to stop this in 2020
You have to email a reminder at least 7 days before the first charge, with a link to cancel
The blackhat ecom brands skip it
So the people who do notice go to their bank
Every one of those is a chargeback
Now the AI cancels before there's a charge to dispute
The latest Grok Bot release (v0.78.1) takes another big step toward genuinely autonomous AI agents!
The standout new @bot features:
• AI shopping: Products now appear in rich cards with photos, ratings, prices, and store comparisons. Bots can initiate purchases with your approval.
• Order tracking: Bots monitor your purchases and notify you when orders ship or arrive.
• Subscription management: Bots can find unused subscriptions, cancel the ones you select, and monitor renewal prices.
• Free trial automation: A new template starts free trials and cancels them, or reminds you to cancel, before you're charged.
• Shop Pay integration: Connect your payment method for streamlined AI-assisted purchases.
• Custom cloud agents: Bots can launch cloud agents in named custom modes and continue interacting with them.
AI agents are moving beyond answering questions to actually managing everyday tasks for you.
NEVER open a second Shopify store to get away from a hold
The new store's Shopify Payments signup asks for the same things
Your name, your SSN, your EIN, your bank account
Shopify links it to you
Now you're the merchant who tried to dodge
That's how a hold turns into both stores closed
This also applies to bans or reserves
Shopify Plus is the biggest scam out there
All that plus does is upgrades the store
The payments still run on Shopify Payments
And every merchant on it, Basic or Plus, is a sub account under Shopify's own merchant account
So the same ai algorithm sets the same 10% for 120 days
Support can't lift it, human or AI
All they can do is forward the ticket
And 120 days is a long ass time
Black Friday's 10% comes back March 27
Christmas comes back April 24
But on your own MID the reserve terms are in your agreement before your first sale
We can get you set up in 2-3 days, lmk
Update on the shopify hold.
still 10% of our payouts held for 120 days, that money only comes back on feb 19 2027. so after black friday and after christmas.
5 days later and we still only get automated AI answers. we pay for shopify plus, so i think we should have a dedicated account manager, one real person who knows our store.
@tobi @Shopify
To Visa a won chargeback is the same as one you lost
Their fraud and dispute program counts every dispute filed on your sales
Win or lose
And a refund takes 5-10 business days to show up on the customer's card
Until then their bank app still shows the charge
The fix is one simple number
Every card refund has an ARN, basically a tracking number for the refund
Stripe shows it on the payment
Put it in your refund email
Their bank can trace the money with it before anyone files anything
Looks like there’s a scam going around that misuses the @stripe & @Revolut dispute system.
A customer bought my product for $29, then sent an automated refund request on 22 Oct. I refunded them right away.
Today (28 Oct) I got an email: “REVOLUT LTD has initiated a $29 USD dispute.”
I thought it was a new dispute, so I accepted it. Stripe took $29 + $15 dispute fee from my balance.
Then I realized I had already refunded this customer. So why did their bank open a dispute?
End result: the customer paid $29 and got back $27.42 (partial refund they asked for) + $29 = $56.42.
I have no idea why the bank allows a dispute on a payment that was already refunded.
@stripe @Revolut
DO NOT make your subscription hard to cancel
If they can't find the button, they'll find their bank
"Cancelled recurring" is a chargeback reason on Visa
And it counts against your rate whether you win it or not
Put cancel on the account page and in every renewal email
Refunding one month is cheap
The chargeback costs that month, a fee and damage to your rate
Shopify Plus is $2,500 a month to watch your reserve grow
Shopify's standard reserve holds 10% of every sale for 120 days
So for 120 days money only goes in
Nothing has been held long enough to come back out yet
That's why it's "climbed every day since July"
Around day 120 the first July sales start coming back
After that it levels off instead of growing
🚨❌ shopify is sitting on nearly $85,000 of my money with ZERO release date attached to it.
we’re 95 days into this payout reserve. they’re holding 10% of every single sale, and it’s climbed every day since it was applied in July
shopify says a reserve reduces risk, but it quite literally does the opposite. i want to be really clear about what it has actually done to us. we’ve had to push supplier payments and ask for extensions on invoices we fully intended to pay in full on time. we’ve had to make decisions about inventory and ad spend based on money we earned months ago and still can’t touch. AND we refund all of our chargebacks on our own without the need for any reserved funds. none of that makes us a safer merchant, it makes us worse!!!!
All this does to a merchant is make there life, AND customers lives worse!
we’re a shopify plus merchant. we pay $2.5k/month for that…and where does that get us? So I get to contribute to your quarterly earnings report while having 10% of my money held every day? Not a single support rep has replied, and Shopify hasn’t replied once to our legal teams emails and follow ups.
Keep in mind, we have:
- USA made products
- 2-5 day shipping
- On Amazon prime
- Great reviews
- Clear subscription terms right on par with any other well known brand
- We use chargeback prevention tools in full, billing reminders, EVERYTHING
Today, they decided to ragebait me for about twenty minutes, that exact balance showed up in our dashboard as a “next payout”. $84,028.63 to be precise, then it disappeared and went back to fifty dollars. so the money can be released, somebody just decided not to…
we’re almost a month out from black friday, the quarter we’ve built the entire year around, and our working capital is sitting in an account we can’t reach.
@tobi @harleyf @Shopify
You guys are “the entrepreneurship company”….doesnt seem that way.
Ecom guys a comment and retweet would be super helpful, thank you
#ecommerce #shopify
Everyone moving to Whop this Q4 is going to post this exact tweet by January
Whop's terms cap holds at 180 days, so the $20k comes back eventually
The $100k in subscriptions is the real damage
Every subscriber's card is saved inside Whop, because Whop is the merchant of record
While he's suspended, those renewals can't run
And unless Whop exports the cards, they don't leave with him
So every subscriber would have to type their card in again somewhere new
A lot of them won't
That's the price of a platform that runs your checkout, billing and access for you
It also ends up holding the most valuable part of your business
On your own MID the card tokens are yours to move
We can get you set up in 2-3 days, lmk
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Resilia's payment processor is the one who should be scared this Halloween
576 Trustpilot reviews, 1.4 stars
71% of them are 1 star
365 BBB complaints in 2 years
The reviews keep saying the same thing
They bought once and got put on a subscription they didn't know about
Every one of those customers is one call to their bank away from a chargeback
Whop raised $200M and still can't afford one human in support 😭
The hold comes from how Whop is built
There are 3 ways to proccess cards online
1. Your own MID at a bank, underwritten in your name
2. A payfac like Stripe or Shopify Payments, where you sit on their account
3. A merchant of record like Whop, where Whop is the seller on paper
2 and 3 sign you up in minutes
The catch is the chargeback rate and the account belong to them
So when you start doing volume, they decide what to hold and for how long
Whop's terms allow up to 100% for up to 180 days
A chatbot can't undo that
Option 1 is slower because a person reviews you before your first sale
And as of right now there's nothing in between
Either instant signup or avoid getting funds held later, just takes a few days to get set up
We can get you a MID set up in 2-3 days, lmk
I genuinely don't understand how a payment platform like @whop can hold someone's money for almost a WEEK and refuse to let them speak to an actual human being.
Let me explain what's happening.
I used Whop to receive a payment that was supposed to be available INSTANTLY.
Instead, they decided to hold my funds and requested additional business documentation.
Fair enough. I understand that payment platforms have verification procedures.
So I provided the documents they requested.
I was then told that the process would take 1–3 business days.
Fast forward to today.
Almost a week has passed, and I still don't have access to MY OWN MONEY.
But here's where it gets ridiculous.
I've tried contacting their support through both live chat and email.
And every single time, I'm met with what appears to be the same AI-generated responses.
"I understand your frustration..."
But no actual solution. No clear explanation. No human being willing to take responsibility for the situation.
And apparently, I can't even get transferred to a real support agent.
How is that acceptable for a company handling people's money?
We're not talking about a delayed package or a software bug.
We're talking about money that businesses depend on to operate.
Cash flow matters. Bills don't stop coming because a payment processor decides to hold your funds.
I have absolutely no problem complying with legitimate verification requirements.
What I have a problem with is being promised a timeframe, providing everything requested, and then being left in the dark with an AI chatbot repeating the same useless answers.
If a company can hold your money, it should at least have a real human available to explain WHY and WHEN it will be released.
@whop, I don't need another automated apology.
I need three things:
A real human to review my case.
A clear explanation of why my funds are still being held.
An actual date when my money will be released.
Is that really too much to ask from a payment platform?
DO NOT let your friend run his store through your MID
Even for a week while he waits for his own
Your MID was approved for your site and what you sell
His sales on it are sales your bank never approved
Mastercard calls that laundering
It's reason code 03 on the MATCH list
That's 5 years of no processor touching either of you
Over a simple favor
That $9 fee for paying by bank costs the processor about 70 cents 💀
Stripe charges 0.8% on a bank payment
On $87 that's 70 cents
And the $12 card fee is almost 14% of the payment
A store pays more like 2-3% on a card
The state doesn't pay the processor anything
So the processor charges you instead
And you can't pick a different one
I renewed my car registration online.
The fee was $87.
Then the site added a $12 “convenience fee” for paying by card.
I switched to the bank account option. It still charged $9.
I called and asked why there’s a fee to pay a fee the state already requires.
The person said the payment processor is a private company and the fee covers their cost of handling the transaction.
I asked if there’s a way to pay with no fee.
“You can mail a check. It takes 4–6 weeks and you risk driving with an expired registration if it doesn’t process in time.”
The state requires the registration. The only practical way to pay it includes an extra charge that doesn’t go to the state.
Being profitable from day one is exactly why Shopify is holding your money
A 10 day old store with rapid growth looks like fraud to their ai algorithm
Shopify can't tell those two apart yet
So they just hold everything until the orders land and nobody disputes them
How many day one stores have to get frozen before people realize private processing is the move?
On your own MID you get underwritten before your first sale
So the bank already knows who you are when the orders come in
We can get you set up in 2-3 days, lmk
@tobi @harleyf @Shopify @ShopifySupport
I’m seriously thinking about leaving Shopify.
One of my store is less than 10 days old. Profitable from day one. Real orders, real customers, real numbers. And Shopify is holding 100% of my payouts. Not a reserve. Not 20%. 100%.
AI shopping agents will hand you chargebacks you can't win
A Shopify store just got 13 orders in 3 days from one customer
All placed through Muse, Meta's AI shopping agent
The customer won't answer emails or calls
The excuse will be:
"Sure they shipped me 13 bracelets but AI did that, I wanted one, give me my money back!"
That's 12 chargebacks if it happens
OpenAI's spec for its agent checkout says chargebacks "remain with the merchant"
And its payment token records a max amount and an expiry date
Nothing about which items the buyer said yes to
Shop Pay is how Shopify makes sure you can never leave
It saves the buyer's card to their Shop Pay account
And Shopify owns that account
Now it works on stores that aren't on Shopify at all
Leave and every saved card stays with them
So your subs have to type their card in again
And most of them won't
The more processors you stack, the more ways you have to end up on MATCH
Airwallex is a payfac and so is Shopify Payments
On both you're a sub-merchant sitting on their account
So they review you on their rules, same as the first one
And four processors don't help with the one list all of them check
If any of them shuts you down for chargebacks, you can end up on MATCH
Then every processor you apply to next sees it
How we scaled to $1M/mo+ on a HK setup without payment providers shutting us down
The problem: if you run everything through one processor and one bank, you have a single point of failure. One review, one rolling reserve or one frozen account, and your cash flow stops.
Our backend
🏦 Banking (4)
- Payoneer
- Aspire
- Airwallex
- Slash
💳 Payment processors (4)
- Adyen x REIGN checkout: subscriptions
- Oceanpayment: every payment method in the EU, US and Australia (Klarna, Swish and more)
- Airwallex: every local currency and payment method in the EU, US and Australia
- Shopify Payments: we mainly run it for local currency in checkout and Shop Pay. It ends up at only ~5% of revenue
Between Adyen, Oceanpayment and Airwallex, we cover every local payment method in the world.
💸 Fees: with Oceanpayment and Airwallex you can get your payment fees down to 1.9% across almost every method.
How it works
- All processors run in the same checkout at the same time so you always have backups.
- Payouts are split across the 4 banks
- Every provider gets steady volume, so you’re warming them all up in parallel instead of one at a time
- Local currency in checkout + local payment methods in every market
- Dedicated reps at every processor and bank, so problems get solved fast instead of sitting in a support queue
Cost: I paid $3k to get the full setup, including the insiders.